10 Reasons Why MiniPay is Better Than MTN Mobile Money

In 2009, MTN Ghana launched MTN Mobile Money, the first mobile money service in Ghana. This service allowed users to transfer money, pay bills, and perform financial transactions via their mobile phones. This was a game-changer for many Ghanaians—especially those living in rural areas without access to traditional banking.

However, as the mobile money ecosystem began experiencing growth, new regulations were introduced, impacting transaction fees—and later the introduction of the electronic levy (E-Levy) on all digital financial transactions in 2022. This made mobile money transfers unattractive in the eyes of citizens, leading to a 15% decline in mobile money transactions after it’s introduction.

MiniPay has come to solve all the issues that have to do with mobile money transactions over the years. MiniPay is a self-custodian dollar stablecoin wallet that facilitates secured, fast, and seemless transactions with fees that are negligible. Imagine paying a fee less than GHS 1 cedis for any amount of money transferred.

Let’s take a look at 10 important reasons why everyone in Ghana should use MiniPay instead of MTN Mobile Money and the other mobile money services.

10 Reasons Why MiniPay is Better Than MTN Mobile Money

1. Lower Transaction Fees: Sending money with MiniPay is negligible. This is because CELO network fees are below $0.01, which means the highest you could pay for any amount you send on MiniPay is likely to be 0.16p. This is way better as compared to the MTN Mobile Money fee, which is capped at 1% of the amount being sent.
2. Highly Secure: Unlike MTN Mobile Money, which is prone to mobile money scams and fraudsters, MiniPay uses state-of-the-art security protocols and authentication. Enhanced security features such as two-factor authentication (2FA), biometric login, or end-to-end encryption for transactions give you extra peace of mind as a user.
3. No Network Restrictions: While MTN Mobile Money is often tied to the MTN network and charges higher transaction fees for other networks, MiniPay works across various networks and has no borders, giving you the ability to send money and receive money regardless of their service provider. Once you have a MiniPay wallet, you can send money to another person in a different country without worrying about how to change the money. All you need to do is add cash to your MiniPay account.
4. Incentives and Rewards: MiniPay gives you 2% weekly interest on your money you have in your wallet. There are also cashback and other loyalty programs you can participate in, whereas MTN Mobile Money will only pay you a small amount once every 3–6 months. With MiniPay, your weekly 2% is credited to your account daily.
5. Faster Transactions: MiniPay offers quicker transaction processing, especially for transfers between users or payments, without significant delays. With MiniPay, all your transactions happen in split seconds. When you send money with MiniPay, the recipient will get it in 5 seconds or less. This is better than MTN Mobile Money because some days you will experience delays or won’t even be able to access the mobile money platform to even start the transaction, leaving you agitated and fraustrated.
6. Wider Range of Payment Options: MiniPay supports a broader range of payment options, such as mobile money wallets, bank transfers, or even international payments, giving users more flexibility. MiniPay supports USDC, USDT, and cUSD; this means that if you have it in a crypto wallet, you can transfer it to MiniPay with ease and withdraw to your local currency.
7. Better International Transfers: If you are a MiniPay user, you can easily send money to someone in another country or abroad, and they will receive it in seconds. All they need is a MiniPay account. We can’t say the same for MTN Mobile Money, as you are only limited to your local geolocation. As a Ghanaian MTN Mobile Money user, you can only send money to people in Ghana and not Kenya, Nigeria, Uganda, or any other country abroad.
8. MiniPay is Easy to Use: MiniPay is very user-friendly and easy to use. It has a more intuitive, easy-to-navigate app interface, making it more convenient for first-time users and people who are not tech-savvy. MTN Mobile Money is not easy to use for first-timers; you will have to either memorize USSD code if you’re not a smartphone user, while their app gives a poor user experience to first-timers.
9. Better Customer Care: MTN Mobile Money customer care is usually a pain in the ass. Customer complaints and issues are usually left unattended to. MiniPay is different; they understand how frustrated a customer can be when things are not going well, especially when it has to do with their hard-earned money. This is why they have assigned a dedicated team of highly qualified and professional customer support representatives to attend to customer complaints and provide a sound solution.
10. Integrad With Other Services: MiniPay is integrated with other service providers such as MTN, AT, and Telecel, which enables users to buy airtime directly to their phone or for someone using their MiniPay wallet. They also have other eSIM, Shop & Pay, and Cashback gift shops.

You see, MiniPay stands out with all these exceptional features. You are not only saving your money; you are protecting it against inflation, devaluation, and mobile money fraud while earning an unbeatable interest.

What are you waiting for? Click on the button below to join MiniPay today!